{"$schema":"https://verifymcp.io/schemas/trust-report.json","schemaVersion":1,"license":{"name":"CC BY-NC 4.0","url":"https://creativecommons.org/licenses/by-nc/4.0/"},"generatedAt":"2026-11-05T18:27:35.673Z","url":"https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht","markdownUrl":"https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht.md","server":{"slug":"loans-yacht-yacht-loans","name":"Yacht.Loans: boat loan calculator, sales tax and lender terms","registryName":"loans.yacht/yacht-loans","description":"Boat and yacht loan payments with balloon, tax and insurance; state boat tax; lender terms.","registryStatus":"active","deletedAt":null,"statusMessage":null,"liveness":"live","publisher":{"class":"unknown","claimed":false}},"component":{"slug":"yacht","type":"remote","identifier":"https://yacht.loans/mcp","withdrawn":false,"url":"https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht","version":"1.2026.1101.1","transport":null,"scoredAt":"2026-11-05T01:17:43.374Z"},"score":{"total":71,"tier":"medium","status":"scored","weekDelta":null,"history":[{"date":"2026-11-05","total":71},{"date":"2026-11-04","total":70},{"date":"2026-11-03","total":70},{"date":"2026-11-02","total":69},{"date":"2026-11-01","total":69}]},"categories":[{"name":"Endpoint Security","score":74,"verdict":"fail","reasons":["The endpoint's TLS certificate is valid, in date, and uses a strong key.","No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation.","HTTPS is enforced; there's no plaintext access path.","HSTS check failed: the Strict-Transport-Security header is absent.","DNSSEC check failed: this domain isn't protected by DNSSEC."],"codes":[{"code":"tls.valid","args":{}},{"code":"auth.none_no_destructive","args":{}},{"code":"https.enforced","args":{}},{"code":"headers.hsts_absent","args":{}},{"code":"dnssec.absent","args":{}}]},{"name":"Transport & Reachability","score":100,"verdict":"pass","reasons":["Verified streamable-http transport via a live MCP handshake."],"codes":[{"code":"transport.verified","args":{"transport":"streamable-http"}}]},{"name":"Schema Quality & AI Usability","score":63,"verdict":"fail","reasons":["AI-judged instruction clarity (excellent).","Context-footprint check failed: tool/resource definitions use about 1292 tokens (~323/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.","Usage-examples check failed: none of the tools include examples."],"codes":[{"code":"schema.ai_quality","args":{"band":"excellent"}},{"code":"schema.footprint_heavy","args":{"avg":"323","items":"4","tools":"4","tokens":"1292","resources":"0"}},{"code":"schema.examples_absent","args":{}}]},{"name":"Stability & Change Management","score":13,"verdict":"partial","reasons":["Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses."],"codes":[{"code":"stability.building_history","args":{"days":"4"}}]},{"name":"Tool Coverage","score":100,"verdict":"pass","reasons":["100% of tools have a non-trivial description (not blank, and not just the tool's name).","100% of tool parameters carry a description."],"codes":[{"code":"toolquality.descriptions","args":{"pct":"100"}},{"code":"toolquality.param_docs","args":{"pct":"100"}}]},{"name":"Tool Safety","score":100,"verdict":"pass","reasons":["No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.","We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.","An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it."],"codes":[{"code":"toolsafety.injection_clean","args":{}},{"code":"toolsafety.destructive_none","args":{"tools":"4"}},{"code":"toolsafety.manipulation_clean","args":{"units":"5","judged":"5"}}]},{"name":"Capabilities","score":100,"verdict":"pass","reasons":["Implements a current MCP spec version (2026-07-28)."],"codes":[{"code":"protocol.current","args":{"version":"2026-07-28"}}]}],"inconclusive":[],"malware":[],"components":[{"slug":"yacht","type":"remote","identifier":"https://yacht.loans/mcp","withdrawn":false,"score":71,"current":true,"url":"https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht","markdownUrl":"https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht.md"}],"facts":[{"label":"Endpoint","value":"https://yacht.loans/mcp"},{"label":"Transports","value":"streamable-http"},{"label":"Auth","value":"none"},{"label":"Version","value":"1.2026.1101.1"}],"install":{"available":true,"bundleSha256":null},"tools":[{"name":"calculate_boat_loan","title":"Boat or yacht loan payment, balloon, tax and insurance","description":"Runs the yacht.loans boat loan calculator on your numbers: monthly loan payment, payment with insurance, amount financed, balloon left at the end when payments are figured over more years than the term, interest over the term, sales tax (from a state rule on the site or your own rate and cap), cash at closing, and the loan balance at the end of each year.","inputs":[{"name":"amortization_years","type":"integer","required":false,"description":"Years the payments are figured over. 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Give this or down_payment, not both."},{"name":"finance_tax_and_fees","type":"boolean","required":false,"description":"Roll the sales tax and closing costs into the loan (true, default, as on the site) or pay them at closing (false)."},{"name":"insurance_per_year","type":"number","required":false,"description":"Annual insurance premium in dollars from the agent's quote. Default 0."},{"name":"price","type":"number","required":true,"description":"Purchase price of the boat in US dollars, e.g. 450000."},{"name":"sales_tax_cap","type":"number","required":false,"description":"Maximum sales tax in dollars with sales_tax_pct, 0 = no cap. Default 0."},{"name":"sales_tax_pct","type":"number","required":false,"description":"Your own sales tax rate in percent, used when state is omitted. Default 0."},{"name":"state","type":"string","required":false,"description":"Two-letter code of the state where the boat is taxed; applies that state's rate and cap from https://yacht.loans/boat-sales-tax-by-state/. Usable: CT, FL, MD, NJ, NC, RI, SC, TX, VA. Omit to give sal…"},{"name":"term_years","type":"integer","required":true,"description":"Loan term in years, e.g. 15 (the site offers 5, 7, 10, 12, 15 and 20)."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":518},{"name":"get_boat_sales_tax","title":"Boat sales tax rule for a state","description":"The boat sales or use tax rule yacht.loans has confirmed for a state from its statute or tax agency: rate, cap, exemptions or special tests (such as California's 12-month test or Florida's $18,000 cap), the citation, source URL and the date it was read. Omit state to list every state covered.","inputs":[{"name":"state","type":"string","required":false,"description":"Two-letter state code or state name, e.g. FL or \"New Jersey\". Omit to list all covered states."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":111},{"name":"list_boat_lender_terms","title":"Boat loan terms lenders publish","description":"What banks, credit unions, marine lenders and brokers publish on their own boat loan pages, as read by yacht.loans: rate ranges with their dates, loan amounts, longest terms, down payment and boat age or size rules, with each lender's URL. Filter by lender type or name; not offers and not a ranking.","inputs":[{"name":"kind","type":"string","required":false,"description":"Only this type of lender: bank, credit_union, marine_lender_or_broker or unsecured."},{"name":"name","type":"string","required":false,"description":"Part of a lender name, e.g. \"Truist\" or \"Navy Federal\"."}],"outputs":[],"hasOutputSchema":false,"hasExamples":false,"tokenEstimate":130},{"name":"estimate_uscg_documentation_fees","title":"Coast Guard documentation fees for a financed boat","description":"Adds up the Coast Guard NVDC fees (46 CFR 67.550) to document a financed recreational boat: Abstract of Title, initial certificate or exchange into your name for 1 to 5 years, bill of sale and preferred mortgage recording by page count, and a certified copy for the lender, plus the full NVDC fee table.","inputs":[{"name":"already_documented","type":"boolean","required":false,"description":"true (default) if the boat is already documented, so the certificate is exchanged into your name ($84.00); false if it has never been documented (initial certificate, $133.00)."},{"name":"bill_of_sale_pages","type":"integer","required":false,"description":"Pages of the bill of sale to record at $8.00 a page; 0 if none is filed. Default 2 (an assumption; count your own)."},{"name":"mortgage_pages","type":"integer","required":false,"description":"Pages of the preferred mortgage to record at $4.00 a page; 0 if not financed. Default 12 (an assumption; count your own)."},{"name":"years","type":"integer","required":false,"description":"Years the recreational endorsement runs, 1 to 5 ($26.00 for each year past the first). 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